WSJ.com : Personal Finance The latest personal finance news, analysis and insights, covering retirement, how to manage your savings, tax guidance and more. https://www.wsj.com/personal-finance/ en-us Copyright © Dow Jones & Company, Inc. All rights reserved. Sat, 09 May 2026 14:30:25 GMT WSJ.com : Personal Finance https://www.wsj.com/img/wsj_sm_logo.gif https://www.wsj.com/personal-finance/ WP-WSJ-0003001423 Why Do People Tip Less on the Weekends? A study finds that when restaurant patrons spend money elsewhere, they cut back on their gratuities https://www.wsj.com/personal-finance/tips-trends-culture-weekends-6df0d824 Sat, 09 May 2026 14:00:00 GMT Lisa Ward Daniel Diosdado WP-WSJ-0003555629 America’s Army of Supercommuters Is Reeling Over High Gas Prices While real estate far from big cities is cheaper, filling up for long drives has become painful. https://www.wsj.com/economy/consumers/high-gas-prices-wreak-havoc-on-americas-army-of-supercommuters-99ee6cc0 Wed, 06 May 2026 20:37:00 GMT Harriet Torry Audra Melton for WSJ WP-WSJ-0003557298 The Super Prime Credit Score Club Is Growing Rapidly Young people in particular have powered a rise in the number of Americans with credit scores over 780. https://www.wsj.com/personal-finance/credit/the-super-prime-credit-score-club-is-growing-rapidly-a01de5ca Wed, 06 May 2026 15:45:00 GMT Oyin Adedoyin Getty Images WP-WSJ-0003543065 The Great $110 Trillion Wealth Transfer Won’t Happen Any Time Soon Americans 55 and up control most wealth, and many of them have decades of living left. https://www.wsj.com/articles/the-great-110-trillion-wealth-transfer-wont-happen-any-time-soon-e8b2ef31 Tue, 05 May 2026 02:00:00 GMT James Benedict Rachel Louise Ensign Uncredited WP-WSJ-0003552678 Why the Collapse of Spirit Airlines Means Higher Fares for Everyone The defunct budget airline had long been a competitive force on lower-cost tickets. https://www.wsj.com/business/airlines/why-the-collapse-of-spirit-airlines-means-higher-fares-for-everyone-0e4990aa Tue, 05 May 2026 02:00:00 GMT Dean Seal Seth Wenig/Associated Press WP-WSJ-0003542937 Readers Share Their Advice About Divorce Child custody hacks, therapy sessions and financial awareness can pave the way for a smoother split. https://www.wsj.com/personal-finance/readers-share-their-advice-about-divorce-cca626b2 Sun, 03 May 2026 09:30:00 GMT Ashlea Ebeling Dalvin Brown Patty Chadwell; Jarrod Jacobi; Desiree Cofino WP-WSJ-0003503469 Now That You’re Done With Your Taxes, Here’s What to Know for 2026 Act soon to maximize benefits or minimize hits from last year’s tax changes, especially for charitable deductions, 529 accounts and withholding. https://www.wsj.com/personal-finance/taxes/2026-tax-what-to-know-138dad06 Fri, 17 Apr 2026 09:30:00 GMT Laura Saunders Kiersten Essenpreis for WSJ WP-WSJ-0003475154 On Trump’s List of Promises: Mass Pardons for Staffers Plus, the U.S.-Iran talks are set to start tomorrow, and Gen Z socializes at barres, not bars. https://www.wsj.com/personal-finance/taxes/on-trumps-list-of-promises-mass-pardons-for-staffers-1ccd10fa Fri, 10 Apr 2026 21:33:00 GMT Zlati Meyer Nathan Howard/Reuters WP-WSJ-0003467760 The Tax-Saving Charity Funds Wealthy People Are Buzzing About Donor-advised funds are allowing those giving to charity to get ahead of tax-law changes. https://www.wsj.com/personal-finance/taxes/the-tax-saving-charity-funds-wealthy-people-are-buzzing-about-a3691aa9 Mon, 06 Apr 2026 15:45:00 GMT Miriam Gottfried Uncredited WP-WSJ-0003471283 Workers Are Claiming ‘No Tax on Overtime’—Maybe a Bit Too Much Number of filers taking the new deduction surges past expectations, raising worries about overstated claims. https://www.wsj.com/personal-finance/taxes/overtime-tax-policy-deduction-claims-ba23d21a Sat, 04 Apr 2026 15:45:00 GMT Richard Rubin Ashlea Ebeling Eduardo Barraza/Zuma Press WP-WSJ-0003467599 When Heirs Are Right to Say ‘Thanks but No Thanks’ to an Inheritance Disclaimers are one way to tackle tax problems and family wealth-planning issues posed by inherited IRAs. https://www.wsj.com/personal-finance/taxes/when-heirs-are-right-to-say-thanks-but-no-thanks-to-an-inheritance-5ea96aac Fri, 03 Apr 2026 09:30:00 GMT Laura Saunders Jarred Briggs for WSJ WP-WSJ-0003447072 Retirement Gives Us Lots of Time for DIY Projects, but Age Sets Some Limits The key is to focus on smaller do-it-yourself things, like fixing the dishwasher and refurbishing a table. But no tall ladders. https://www.wsj.com/personal-finance/retirement/retirement-diy-projects-aging-2bf30f21 Sat, 02 May 2026 16:00:00 GMT Karen Kreider Yoder Stephen Kreider Yoder Paul Blow WP-WSJ-0003543539 Four Things to Know About Trump’s New Retirement Plan Order There is growing bipartisan support for expanding uptake of retirement-savings plans. https://www.wsj.com/personal-finance/retirement/trump-retirement-savings-accounts-9ab895b4 Thu, 30 Apr 2026 21:08:00 GMT Anne Tergesen Alex Brandon/Associated Press WP-WSJ-0003513544 Americans Are Losing Confidence in Having Enough for Retirement, Survey Says Poll shows the lowest confidence in nearly a decade, partly because of concerns about inflation and government programs on which retirees rely. https://www.wsj.com/personal-finance/retirement/inflation-retirement-savings-confidence-63a8f0be Tue, 21 Apr 2026 10:00:00 GMT Anne Tergesen Jenny Kane/Associated Press WP-WSJ-0003506935 How Well Do You Know Your 401(k)s, 529s and HSAs? Take Our Quiz With the Trump account, a new tax-advantaged savings account, coming soon, there’s no right or wrong answer about which one is best. Test your knowledge about how they work. https://www.wsj.com/personal-finance/retirement/how-well-do-you-know-your-401-k-s-529s-and-hsas-take-our-quiz-584a7609 Sun, 19 Apr 2026 16:00:00 GMT Anne Tergesen Emil Lendof/WSJ, iStock WP-WSJ-0003361255 4 Financial Scams Targeting Seniors to Watch For Swindlers have stepped up their game with artificial intelligence and deepfakes to steal older Americans’ money and personal information. https://www.wsj.com/personal-finance/retirement/financial-scams-seniors-c68b106a Sun, 19 Apr 2026 13:00:00 GMT Lori Ioannou GOLDEN COSMOS for WSJ WP-WSJ-0003331438 For Young Adults, a Credit Score Is a Mystery—Until It Suddenly Matters The ebbs and flows of a score can be confusing, so accepting and understanding them is key. https://www.wsj.com/personal-finance/credit/credit-score-young-adults-220d3893 Tue, 03 Mar 2026 16:10:00 GMT Julia Carpenter Zara Picken for WSJ WP-WSJ-0003249209 How Trump’s Cap on Credit-Card Rates Would Reshape the Rewards World The president’s proposed limit could intensify competition for premium-card holders. https://www.wsj.com/personal-finance/credit/how-trumps-cap-on-credit-card-rates-would-reshape-the-rewards-world-c662002e Tue, 13 Jan 2026 17:00:00 GMT Imani Moise David Paul Morris/Bloomberg News WP-WSJ-0003243557 What 10% Credit-Card Rate Cap Would Mean for Your Wallet President Trump’s call for a cap promises to save Americans billions in interest but also can lead to tightened access to credit. https://www.wsj.com/personal-finance/credit/what-a-10-credit-card-rate-cap-would-mean-for-your-wallet-365f2f8d Mon, 12 Jan 2026 13:40:00 GMT Veronica Dagher Nam Y. Huh/AP WP-WSJ-0003158839 New Debit Cards Have an Unexpected Feature: Rewards A new crop of cards come with cash back, miles and airport-lounge access. https://www.wsj.com/personal-finance/credit/new-debit-cards-have-an-unexpected-feature-rewards-e390ea40 Fri, 05 Dec 2025 17:00:00 GMT Imani Moise David Paul Morris/Bloomberg News WP-WSJ-0003119064 Block to Show Its Version of Credit Scores to Cash App, Afterpay Users The company doesn’t share its consumer data with the traditional credit-reporting system. https://www.wsj.com/personal-finance/credit/block-to-show-its-version-of-credit-scores-to-cashapp-afterpay-users-a379f2a5 Wed, 19 Nov 2025 19:11:00 GMT Imani Moise Richard B. Levine/Zuma Press WP-WSJ-0003434326 Gen Z Is Trading the Neighborhood Bar for the Spin Studio Twenty-somethings are drinking less, exercising more—and changing the way they socialize with others. https://www.wsj.com/personal-finance/savings/gen-z-exercise-f33af2da Fri, 10 Apr 2026 16:00:00 GMT Oyin Adedoyin Maya Nguyen for WSJ WP-WSJ-0003192947 Financial Discipline Is an Easy Resolution to Make, but a Hard One to Keep We all say we want to save more and spend less. The key is to think more broadly. https://www.wsj.com/personal-finance/savings/financial-discipline-new-years-resolution-e0e636d2 Tue, 30 Dec 2025 18:00:00 GMT Annabelle Williams Eliot Wyatt for WSJ WP-WSJ-0003005225 He Works Full Time and Goes to College. Is He Saving Enough? Will West wants to get a master’s degree and then own a house within 10 years. A financial adviser weighs in. https://www.wsj.com/personal-finance/savings/college-full-time-work-savings-goals-0f7c96f4 Tue, 14 Oct 2025 16:00:00 GMT Lisa Ward Will West WP-WSJ-0002271468 The One Day a Year I Spend a Lot of Money I keep a tight rein on my spending throughout the year. But for my birthday, I focus on what I want, not just what I need. https://www.wsj.com/personal-finance/savings/budget-tips-how-to-splurge-special-occasions-c7d1b207 Sat, 04 Jan 2025 13:00:00 GMT Cordilia James Kanitharin Thailamtong WP-WSJ-0002285267 Money Moves for the New Year: Setting and Keeping Your Personal-Finance Goals A four-part podcast series that answers listeners’ questions about achieving their financial goals for 2025. https://www.wsj.com/personal-finance/savings/money-moves-for-the-new-year-setting-and-keeping-your-personal-finance-goals-5ed1d3a2 Fri, 27 Dec 2024 08:21:00 GMT Uncredited WP-WSJ-0003098169 Will a 50-Year Mortgage Make Homes More Affordable? Here’s How It Would Work. A mortgage this long would reduce a home buyer’s monthly payments, but the interest owed would be much higher. https://www.wsj.com/personal-finance/mortgages/will-a-50-year-mortgage-make-homes-more-affordable-heres-how-it-would-work-9f9a1b2e Mon, 10 Nov 2025 20:14:00 GMT Rebecca Picciotto Nicole Friedman Angela Owens/WSJ WP-WSJ-0002906912 Mortgage Refinancing Starts to Thaw as Rates Trend Down With the average 30-year fixed mortgage rate at a 10-month low, homeowners with high-rate mortgages are starting to get excited about refinancing https://www.wsj.com/personal-finance/mortgages/mortgage-refinancing-starts-to-thaw-as-rates-trend-down-25ad4ae7 Sun, 31 Aug 2025 01:00:00 GMT Ben Eisen Veronica Dagher Zak Bennett/Bloomberg News WP-WSJ-0002327714 What Happens When Your House Burns Down and You Still Have a Mortgage? Borrowers are still on the hook but might be able to pause payments. https://www.wsj.com/personal-finance/mortgages/los-angeles-fires-burned-homes-mortgage-payments-a5b7d5bb Thu, 16 Jan 2025 19:08:00 GMT Gina Heeb Ben Eisen Stuart Palley WP-WSJ-0002082648 Rent or Buy? How Falling Mortgage Rates Change the Math Rents remain high, but not as high as mortgage payments. https://www.wsj.com/personal-finance/mortgages/rent-or-buy-how-falling-mortgage-rates-change-the-math-2b4e9ddf Sun, 29 Sep 2024 01:00:00 GMT Veronica Dagher iStock WP-WSJ-0002058855 Should You Refinance Your Mortgage? The Fed’s Big Cut Changed the Math Millions can potentially save money by refinancing, but many are waiting for rates to drop further. https://www.wsj.com/personal-finance/mortgages/refinance-mortgage-fed-interest-rate-cut-d157d9fc Thu, 19 Sep 2024 16:37:00 GMT Veronica Dagher Parker Eshelman/WSJ, iStock